Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
If you're thinking about getting a home warranty, our guide on the top companies in Richmond can help. As much as you may enjoy homeownership in Richmond, there is always that worry about whether your systems and appliances are going to make it through the next few years.
When one of your systems or appliances malfunctions, a home warranty will step in to help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership. Finding the best home warranty plan for your Richmond home can be hard, so our team at Today's Homeowner did the research to help you find the best home warranty in Richmond for your home. Keep reading for our home warranty recommendations.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty in Richmond. Choice has been on the market for more than 15 years, making it a highly regarded company in the industry. Choice has 2 simple plans, making the selection process easy. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Richmond homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Richmond area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our Choice Home Warranty Review to learn more.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Richmond. Select has been in the home warranty industry for around 11 years. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include options for appliance and system coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
For a more detailed breakdown, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty in Richmond. AHS has over 26 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our American Home Shield Review. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Richmond residents. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered system or appliance.
For a more detailed breakdown, read our The Home Service Club Review. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Richmond. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Richmond area.
For a more detailed breakdown, read our full review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Richmond. First American has 2 simple plans, making the selection process easy. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
For more information on this provider, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Richmond, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. Cinch offers 3 plans for homeowners to choose from. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our comprehensive review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,448 |
| Heating | $4,298 |
| Electrical | $645 |
| Toilets | $537 |
| Washer/Dryer | $860 |
| Plumbing | $645 |
| Oven | $1,719 |
| Fridge | $645 |
A home warranty is a protection plan for home systems and appliances. When your HVAC stops working, and the repair will cost several hundred dollars, a home warranty will ensure that you only have to pay a predetermined service fee. Home warranty companies usually don't require an inspection, and you can generally start using it about 30 days after making your first payment.
Filing a claim with your home warranty company is very straightforward. You can utilize an online portal or a direct phone number to request service for a repair or replacement.
At this point, you will pay your service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage cap, which is the maximum cost per year that the home warranty plan will cover for repairs and replacements.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are due to normal wear and tear. The appliances a home warranty typically covers include a cooktop, clothes washer, dishwasher, refrigerator, microwave, clothes dryer, stove, and more. The systems included are the air conditioning, plumbing, heating, electrical, and others.
Add-on options can vary by provider but typically include things such as a sprinkler system, plumbing stoppages, central vacuum, second refrigerator, and septic system.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, misuse, cosmetic damages, and lack of maintenance.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Richmond hitting an average high of 66℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system break down.
Plus, having a Richmond home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you've been benefiting from.
One major drawback of a home warranty is not everything you care about may be covered. It's important to weigh the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They most likely won't cover home systems or appliances that need repairs or replacements due to natural disasters, improper maintenance, animal infestations, etc.
After looking into the basics of home warranties in Richmond, the next step is to figure out which company you're interested in getting a free quote from. When trying to decide which home warranty company is the right one for you, here are some important factors to take into account:
The best overall home warranty provider in Richmond is Choice Home Warranty, but the right company for you will depend on factors like what appliances and systems you need to have covered.
First-time homebuyers, homeowners, home sellers, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The kind of home warranty you should look for depends on what's a priority to you. A less costly plan may have higher service fees and deductibles, whereas a costlier plan may provide more coverage and have lower service fees. If you have a home that has appliances and systems on the older end, you may want to consider a policy with more coverage. The company's reputation and available plans are the two things to look for when picking a home warranty provider.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, which can be good in Richmond for some protection against something like your heater or A.C. needing repairs when you require it the most.
Owning a home can be costly, especially in a place in Richmond where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you won't have any big hits to your savings account.
A home warranty policy can cost on average around $300 to $800 a year in Richmond. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
A home warranty policy will cover repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
